Worth Listening

Lauryn Williams is back on the Worth Listening Podcast with some major updates! After a long break since the last episode in August of last year, she's ready to dive into what's been happening in her life and business, including some big changes. Lauryn discusses the latest updates on student loan repayment, her decision to take her income to zero after growing a successful business, and why she's now living abroad. She also shares exciting news about combining her passions for travel and finance into empowering financial retreats. Key Takeaways Big student loan update: Lauryn shares the latest on student loans and how politics are impacting borrower repayment plans. Lauryn's life update and business reset: Lauryn explains why she decided to take her income to zero, despite having grown a successful business, and what that shift has meant for her life and career. Moving abroad: Find out where Lauryn has relocated and why she made the move. Combining travel and finance: Lauryn's main focus now is bringing people to Medellin, Colombia, for financial retreats that empower them to take control of their money while exploring new horizons. Bridging financial coaching and financial planning: Lauryn dives into the difference between financial coaching and financial planning. What's next for the podcast: Lauryn outlines her plans for the podcast going forward. Excited about the financial retreats or have questions for Lauryn? Reach out to podcast@worth-listening.com, and don't forget to check out the upcoming retreat dates in Medellin, Colombia. Take control of your finances while experiencing something new! Links & Resources Mentioned Sign up for the Welcome to Wealth Retreat: worth-winning.com/retreats Take The Financial Checkup Quiz About Lauryn Williams Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats [here]. Follow Us on Social Media Follow Lauryn on Instagram: @worthwinning Follow the Worth Listening Podcast: Apple Podcasts | Spotify Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams

Student loans have gone crazy! Payments are starting back up in October and people are desperately trying to figure out what they need to do to prepare. So I'm going to share everything you need to know related to getting ready to start repaying your loans again. There have been a lot of changes so if you have student loans or are thinking about getting student loans, you need to listen to this.  In the episode, I share: Lump sum payments and who shouldn't be making them Steps to take before payments begin in October Forgiveness plans and who they're for Why you need to be thinking about your student loan situation The coming Income-Driven Repayment tracker Why now is the time to take advantage of getting on the right student loan repayment plan The difference between consolidation and refinancing Why consolidation is not the right fit for everyone What refinancing means and why it's not for everyone The new SAVE plan If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams Mentioned Resources: Frugal Living and the FIRE Movement, with Travis Hornsby Visit Student Loan Planner to learn more about student loans and schedule a consultation to discover your best repayment plan. Please reach out at emily@worth-winning.com if you're interested in learning more about bringing a corporate financial wellness presentation to your organization. If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

Today NFL player Kelvin Beachum joins the podcast. Kelvin is a Texas native entering his 12th season. In addition to playing football, he is also a board member, advisor, active technology investor, and philanthropist. Today Kevin will share with us his money memoir including his entry into the NFL and why he has continued to pursue other opportunities while playing. You will be encouraged and motivated by his message. In this episode we discuss: Living below your means How your experiences and exposure change your relationship with money That all NFL players aren't instant millionaires The importance of purposeful spending How Kelvin got started in the world of Venture Capital  Curiosity and the impact of being a life long learner The role of networking in financial success and opportunities Donor Advised Fund (DAF) Mentioned Resources: www.kelvinbeachum.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Kelvin Beachum: LinkedIn: @kb2smu

Today Carrie Nicholson joins Lauryn Williams on the podcast. Carrie is a business manager who enjoys all things money and wealth. Before quitting her job to become full-time self-employed for the past decade, she was a tax accountant and Certified Bookkeeper. In 2018, she sold her first finance blog, Careful Cents, for nearly six figures. Today, she owns multiple online businesses including a YouTube channel about cash budgeting and a Colorado travel blog. Today Carrie will share with us more about where her interest in finances came from and how she uses her personal financial story to create income while helping others. In This Episode, They Discuss: The balance of serving, ministry, and earning in income The trade school option to get into accounting How she built and sold a finance blog for freelancers How she and her husband are building a travel blog with the intention to sell Budgeting, emergency funds, and creating a savings plan Cash stuffing and savings challenges Mentioned Resources: Natalie Bacon, Financial Coach If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Carrie Nicholson: Instagram: @carrieconsiders YouTube: @carrieconsiders  

Summer is here, kids are out of school, people are headed out on vacations, and it's the time of year when scarcity mindset starts to set in for many. Podcast host and Certified Financial Planner Lauryn Williams shares how this is playing out in her own life right now. She's also jumping back into the podcast archives to bring back one of her favorite episodes to address scarcity mindset and financial literacy to help change the trajectory of where you want to go financially. In the episode, Lauryn and guest Claudia Steer discuss: What it's like living with a scarcity mindset. What it means to be “house poor” and the importance of understanding your mortgage options. The “good debt vs bad debt” myth. The importance of financial literacy when it comes to things like student loans, 401k, and financial planning. The fact that financial mistakes don't always equal frivolous spending.   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams   If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

The Worth Listening podcast is excited to get back to sharing money memoirs. Listening to the money stories of others allows us to learn from the experience and unique perspectives of others. Sean Johnson-Sippial joins host Lauryn Williams on the podcast to share his money memoir.  Sean is a self-proclaimed Bitcoin evangelist who found Bitcoin in 2016 and hasn't looked back. In this episode, Lauryn and Sean talk about: The common theme of entrepreneurship that ran throughout his childhood His drive to keep his money and the importance of delayed gratification How he fell into Bitcoin as it was emerging What Bitcoin is and how it started The risk tolerance of Bitcoin and how it compares with other investments The importance of having an investment thesis Why he's choosing to focus on Bitcoin in the current economic climate If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams You can further connect with Sean on Twitter: @stakamoto21 If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com.

It's time for a Worth Listening update. There are a lot of exciting things in store for the remainder of 2023 and moving forward. Host and Certified Financial Planner Lauryn Williams, is sharing where the podcast is headed and exciting pivots in her financial planning company, Worth Winning. In this episode, Lauryn talks about: The return of additional guests and money memoirs to the podcast Where you can find Lauryn & Chloe continuing to break down financial planning How a financial retreat can help you organize your finances along with the 2023 locations and what you can expect for 2024 retreats (hint-hint: 2024 locations are being released soon so you can plan early!) Workplace financial wellness services Money school returning as a 6-week course in October Why it's time for millennials to get their finances in order If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to share your money memoir on the podcast, contact us at podcast@worth-listening.com. RESOURCES MENTIONED: Financial Checkup Corporate Financial Wellness Services Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Credit is a super popular topic. And there's a myth that because you have good credit, you're in good financial health. Chloe and Lauryn constantly see people getting taken advantage of by people on social media, promising to help others fix their credit. Your credit score is not the end-all-be-all, and good credit doesn't mean you have good financial habits. So, Chloe and Lauryn are going behind the numbers to help you understand what you need to know about credit. In this episode, Lauryn and Chloé talk about: The BIG myth around your credit score The details about your credit report and credit score What “good” credit actually means, and what it can do for you Why a good credit score isn't an indicator of financial health How to check your credit report three times a year & why you should Types of credit How to be smart with credit What to think about before “credit card hacking”   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams   If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore   Shared quote:  “It's foolish to buy something that's overpriced; more foolish, if it's unnecessary; and even more foolish, to buy it on credit.” ― Mokokoma Mokhonoana     RESOURCES MENTIONED: Annual Credit Report I'm a financial planner, and I think my credit-score obsessed clients are focusing on the wrong thing Credit Scores & Credit Monitoring What is a FICO score?   Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Is generational wealth really as good as we think it is? 70% of wealthy families lose their wealth within one generation, while 80% of today's millionaires made their money on their own. If you want to create generational wealth in your family, Lauryn and Chloe are sharing what you need to know about creating generational wealth and helping your future generations retain it.  In this episode, Lauryn and Chloé talk about: The definition of “generational wealth” Major challenges to building generational wealth Importance of gaining financial literacy Why you shouldn't be afraid to educate yourself & invest in financial literacy Simple financial skills you can teach your children Dealing with the obligation of giving money to family Impact of the wage gap on generational wealth How to make the most of income increases Negotiating your income Why estate plans are essential What entrepreneurs need to know about building generational wealth If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote:  “Money isn't about buying bigger and better things. It's about being prepared to take care of your family.” – Unknown  RESOURCES MENTIONED: Boomers have more wealth ‘than any other generation,' but millennials may not inherit as much as they hope Negotiate Anything Podcast Worth Listening Episode #112: First Generation Wealth Builders Tax Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Socially responsible investing is a trendy topic, but many are overlooking the positive impact of spending with purpose. Lauryn and Chloe are sharing ways you can be more intentional with your spending and finances  In this episode, Lauryn and Chloé talk about: The importance of incorporating your core values and goals into your financial plan Ways to support small businesses and local businesses The impact of keeping your money within your community (and how you can define what your community is) Realigning your spending and socially responsible investing Questions to ask yourself before spending money with a company How to be intentional about your giving Things to think about when you want to tithe and being a good steward of your money Other ways you can give if you can't give financially Questions to ask yourself so you can spend more intentionally Setting an example of your children in how you spend If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote:  “Too many people spend money they haven't earned to buy things they don't want, to impress people they don't like.” – Will Rogers “We make a living by what we get, but we make a life by what we give.” ― Winston Churchill RESOURCES MENTIONED: 56% of Americans Donated to Charity in 2021, at Average of $574 6 Simple Rules on Spending Money Intentionally Is Minimalism an Indicator of Financial Stability? How Much Should You Give to Charity? How I Created My Own Charitable Giving Plan Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Lauryn is hosting two Welcome to Wealth financial retreats this summer for young professional women. Want to go on an adventure and create a financial plan for your life? Learn more at the links below. Medellin, Colombia July 2023 Bali, Indonesia August 2023 Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you thinking about working with a financial planner but don't know where to start? Chloe and Lauryn are sharing what you need to know about working with a financial professional. They're talking all about what kind of financial professional you should work with and how to know when you're ready to work with one.  In this episode, Lauryn and Chloé talk about: What financial planners do and how they help you When you need to start working with a financial planner and why it's before you have a bunch of extra money to invest The types of financial planners in the industry   6 questions to ask yourself when thinking about working with a financial planner How a financial planner can help you when making major life decisions Signs you're not ready to work one-on-one with a financial planner Things to avoid when working with a financial planner The terms to learn before finding a financial planner   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams   If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore   Shared quote:  “To profit from good advice requires more wisdom than to give it.” - Wilson Mizner “Change is painful, but nothing is as painful as staying stuck somewhere you don't belong.” - Mandy Hale   RESOURCES MENTIONED: Questions to Ask a Financial Planner Three Overlooked Benefits Of Working With A Financial Advisor The value of working with a financial advisor 7 red flags that signal it may be time to dump your financial adviser in 2023 XY Planning Network Fee Only Network The National Association of Personal Financial Advisors (NAPFA)  

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. The way you think about money can be a major obstacle to hitting your financial goals. So Chloé and Lauryn are talking about money mindset. They're going to share what you can do to clean up your money mindset, hit the refresh button, and give yourself a mindset of abundance so you can build wealth.  In this episode, Lauryn and Chloé talk about: How to self-assess your money mindset The impact past money messages have on your current money mindset How your financial wins and losses from last year impact you today What is getting in your way of reaching your money goals Different approaches to your spending decisions How the people around you impact your money mindset How your finances affect your physical and mental health Creating your definition of financial security How continuously wanting more prevents you from long-term progress The three Kinder questions that can give you a different perspective on your finances and life   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams   If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore   Shared quote:  “The greatest discovery of all time is that a person can change his future by merely changing his attitude.” -Oprah Winfrey   RESOURCES MENTIONED: Episode #126: Achieving Mental Wealth with Guest Rich Jones Episode #127: Wealth and Wellness with Money Mindset Coach Jacent Wamala Episode #145: How Anxiety, Self-Esteem, and Stress Impact Your Finances, with Aja Evans Episode #110: Buildling Wealth & Financial Behavior with Dr. Sara Fallaw Episode #156: Saving for Retirement The friendship wealth gap How Your Childhood Friends Can Influence Your Rise to Wealth   Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you considering the opportunity costs of your decisions? Maybe lifestyle creep is keeping you in the paycheck-to-paycheck cycle. Are you about to turn 40 and haven't started saving for retirement yet? Or maybe you have sticker shock over hiring a financial planner, so you're trying to DIY your financial plan.  Time is money, so Chloé and Lauryn share the areas you need to pay attention to so it doesn't cost you much more in the long run.  In this episode, Lauryn and Chloé talk about: How to fight lifestyle creep so you can save more with each raise   Why you want to start saving for retirement as soon as possible   The impact of compound interest on your retirement savings   How DIYing your financial plan can cost you a lot more than working with a financial planner   The ways a financial planner can help you save money and optimize your finances If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote:  ​​“'Someday' is a disease that will take your dreams to the grave with you.”  – Timothy Ferriss RESOURCES MENTIONED: The Real Cost of Not Investing Young The 75% Rule for Lifestyle Creep & Early Retirement Feel Financially Stuck? Here's Why — and How to Move Forward Episode 107: Planning for a Financial Windfall Behind the Numbers: Saving for Retirement Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023  

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. Are you thinking about quitting your job to start a business? Lauryn and Chloe are sharing behind the numbers of starting a business and what you need to think about before quitting your nine-to-five.  In this episode, Lauryn and Chloé talk about: How much money the majority of small business owners are actually making The statistics around how many small businesses fail and why Types of small businesses most likely to fail How to get your financial house in order before starting a business Knocking out your debt before quitting your job Types of “emergencies” that entrepreneurs may face The need to replace your employee benefits like health insurance How much extra you need to make to “match” your employee income The importance of considering your startup costs and the cost of running your business Outsourcing vs doing it yourself Business projections and professionals who can help you manage your business finances   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams   If you want to connect further with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore   Shared quote:  “Ideas are easy. Implementation is hard.”  –Guy Kawasaki, Alltop Co-Founder and Entrepreneur   RESOURCES MENTIONED: Episode 106: "Know Better. Do Better. Series" Are You Ready to Start a Business   Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023  

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. It's time to think about paying taxes for the money you made in 2022. In this episode, Lauryn and Chloé are diving into all things taxes. They find people are constantly looking for complex ideas and strategies on how to pay less taxes when there are several simple ways you can save.  In this episode, Lauryn and Chloé talk about: The standard deduction, including what it is and how it applies to you How you can save on taxes with your employee benefits Difference between an HSA and FSA How parents can save on taxes with a dependent care FSA How your Adjusted Gross Income can lower your student loan payment Tax loss harvesting and how you can write off investment losses Who can take advantage of tax gain harvesting The total cost of home ownership vs. mortgage interest deductions What entrepreneurs and business owners need to know about taxes Importance of working with a financial planner or tax professional Why you need to think ahead with tax planning   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore  Shared quote:  “A person doesn't know how much he has to be thankful for until he has to pay taxes on it.” - Anonymous RESOURCES MENTIONED: The IRS Is Supersizing Standard Deductions For 2023. Is That Good For Your Taxes? States That Offer the Best 529 Tax Advantages Tax Withholding Estimator Talk to Lauryn about your Student Loan Plan Behind the Numbers: Homeownership vs Renting, With Lauryn Williams and Chloé Moore Explore attending a Welcome to Wealth financial retreat with Lauryn Williams in 2023. Medellin, Colombia July 2023 Bali, Indonesia August 2023

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. In this episode, Lauryn and Chloé dive into retirement savings. Despite all the craziness going on in the world, it's important to prioritize getting some money in an investment account, so it can grow and work on your behalf for retirement. Lauryn and Chloe want to help you understand the numbers so you get your finances in order and work because you want to and not because you have to.  In this episode, Lauryn and Chloé talk about: Sabatier's 7 levels of financial freedom Living paycheck to paycheck (and why it's not tied to your income level) What you need to know about savings rates Why maxing out your 401(k) probably isn't enough Using the 4% rule to plan for your retirement  The snowball effect of compound interest (and why you need to start now) How to invest in the market Why you should continue investing in the market when it's down Finding the balance between enjoying life today and saving for the future If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore  Shared quote:  “The question isn't at what age I want to retire, it's at what income.” —George Foreman “The best time to start thinking about your retirement is before the boss does.” – Unknown RESOURCES MENTIONED: 7 Levels of Financial Freedom Compound Interest Calculator Every 25-year-old in America needs to see this chart right now How to Prioritize Saving, Investing, and Paying Off Debt

We are kicking off 2023 on the podcast with host and Certified Financial Planner Lauryn Williams reflecting on 2022 and sharing her goals for the business and on what's in store for Worth Winning and the Worth Listening podcast for the new year. Lauryn shares more about: What motivates her in the world of financial planning The pivot Worth Winning made in its service offerings to focus on “one-to-many” services A workplace option for bringing financial literacy to employees Upcoming 2023 Welcome to Wealth financial retreat locations Why she is focusing on empowering people in their finances Her personal goals for 2023 What's coming up in the podcast throughout 2023 Learn more about the upcoming Welcome to Wealth retreats: Welcome to Wealth retreats Top 3 Worth Listening podcast episodes of 2023  Millionaire Series: The Two Rules of Wealth Building with Jeremy Schneider Millionaire Series: How A Single Mom Hit Millionaire Status and Retired in her 40's Millionaire Series: Debt-Free and a Millionaire by 31, with Steven Stack If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. In this episode, Lauryn and Chloé discuss a purchase people make that often puts them in a hole they don't need to be in—buying a new car. End-of-the-year car sales are here, but do you really need a new car?  In this episode, Lauryn and Chloé talk about: Pros and cons of leasing a vehicle The additional expenses of leasing a car Pros and cons of buying a vehicle Things to consider about monthly payments Why Lauryn and Chloe are driving older cars The importance of a fund for car maintenance If “no money down” is really a good deal or not How to save to buy your car with cash Considerations for buying an electric car How to calculate how much you can afford when buying a car Tips for buying a new or used car If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote:  “I had more clothes than I had closets, more cars than garage space, but no money.” -Sammy Davis, Jr.

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. In this episode, Lauryn and Chloé are talking about budgeting for big expenses. It's the holidays, and all kinds of expenses are coming out of the woodwork that will be hitting at the start of the new year. Lauryn and Chloé are sharing tips to help you create a 2023 budget that supports your life and watch out for common pitfalls. In this episode, Lauryn and Chloé talk about: The impact of recession fatigue on gen z Why financial planners are always pushing to build an emergency fund How much you need in your emergency fund The difference between emergency expenses and unplanned expenses Tips to save for traveling Why you need a buffer in your budget How to tell people you don't have money in the budget when they ask you to do something Importance of budgeting for car and home repairs (even if they are new) Budgeting for your pets Planning for routine medical expenses and saving for your deductible Tools to help you budget Why you want to be cautious of the monthly payment trap If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore Shared quote:  “All days are not the same. Save for a rainy day. When you don't work, savings will work for you.” - M.K. Soni “A simple fact that is hard to learn is that the time to save money is when you have some.” - Joe Moore  RESOURCES MENTIONED: Americans are suffering from ‘recession fatigue,' report finds I'm a financial planner, and there are 5 tricks I share with clients who want to save more than 20% of their income Episode 111: 3 Big Expenses Impacting Your Ability to Build Wealth A financial planner explains how to budget for unexpected expenses, like a medical emergency or holiday travel

Welcome to Round 2 of the “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They will take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. In this episode, Lauryn and Chloé are talking about finances and relationships. It's commonly known that money is one of the leading causes of divorces. People come into relationships in different financial situations and with different levels of financial knowledge. Getting on the same page about your finances is crucial. In this episode, Lauryn and Chloé talk about: What financial questions you should ask your partner before getting serious The way your upbringing impacts your financial expectations and how they may differ from your partner's expectations The role that shared financial goals play in a relationship The importance of not hiding your debt from your partner Financial red flags to look for in your relationship How to manage finances together when you earn different incomes How to merge finances as a couple and problems that can arise if you don't The difference between a breadwinner and a deadbeat How adding kids to the relationship impacts your finances  Things to think about if you're the breadwinner in the relationship Why estate planning is a must-do for couples and parents If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore  Shared quote: “Don't fight about money because after you've said mean things to each other, the amount of money in the bank will be the same.” – Anonymous RESOURCES MENTIONED: Why Many Single Women Without Children Are So Happy Women Who Stay Single and Don't Have Kids Are Getting Richer 6 Money Conversations to Have Before Getting Hitched + Red Flags 84 Financial Questions to Ask Your Partner The Millionaire Next Door 10 Common Estate Planning Mistakes Millennials Make

Welcome to Round 2 of the  “Know Better, Do Better” series born from the countless conversations two CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore, have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They are going to take you behind the numbers with real-life examples of financial situations to help you gain confidence and clarity to control your financial destiny. In this episode, Lauryn and Chloé are showing behind the numbers of renting vs buying a home. While many people think they are going to save money if they buy a house instead of paying rent, that's not always the case. You will learn the important things to think about and what the numbers really look like. In this episode, Lauryn and Chloé talk about: The real costs of buying a house How being approved for a mortgage doesn't necessarily mean you can afford it Why “new construction” doesn't mean no additional maintenance expenses Why your mortgage payment may not stay the same for 30 years Things to consider before deciding to buy a house The expenses involved in selling a house The importance of thinking about your other expenses and goals when thinking about homeownership If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore  Shared quote: “Successful homeownership is not just putting people in homes, it's also making sure people keep their homes.” -Michelle Collins RESOURCES MENTIONED: A Comprehensive Guide for First-Time Home Buyers I'm a financial planner, and there are only a few situations where I recommend homeownership to my clients I'm a financial planner, and I think renting is a much smarter choice than buying a home for many people Mortgage Calculator

Do you want to learn how to balance living an epic life today with having a financially secure tomorrow? Certified Financial Planner, founder of Wonder Wealth, and travel enthusiast, Jonathan Grannick joins Lauryn Williams on the show today to tell his money memoir.  Jonathan shares financial stories from his pursuit to live a life of options instead of limitations, including how his values changed as he traveled the world, what he learned about happiness during his time as a digital nomad, and the formula for the best money he's ever spent. You can learn more about Jonathan at wonderwealthfp.com. For more young money-maker financial tips, subscribe to Worth Listening on Apple Podcasts or wherever you listen to podcasts and visit worth-winning.com. Join the wait list for Welcome to Wealth Retreats at worth-winning.com/financial-retreats.

How do you get started in Venture Capital? Super Bowl champion, entrepreneur, and co-founder of Next Play Capital, Ryan Nece joins Lauryn Williams on the show today to tell his money memoir and VC journey.  Ryan shares why relationships are the key to unlocking doors in the VC world, the one money-saving hack he regrets from his college days, where to find investors, and the steps anyone can take to get started in the world of Venture Captial.  You can learn more about Next Play Capital at nextplaycapital.com. For more young money-maker financial tips, subscribe to Worth Listening on Apple Podcasts or wherever you listen to podcasts and visit worth-winning.com. Twitter: https://twitter.com/nextplaycapital

How do you know if you're making a good investment? We're excited to have Joe Briggs join Lauryn Williams on the podcast to continue our Venture Capital series.  Joe earned his undergrad degree on a football scholarship at Texas Christian University. When a car accident ended any chance he had of playing in the NFL he continued his studies earning a Master's degree at Florida A&M University and a law degree from FSU College of Law. Joe has more than 20 years of experience in public policy, education, and advocacy on the national landscape. He is also an angel investor and small business owner, leveraging capital through TJC Ventures towards interests in the sports tech space. When he is not advocating for your favorite athletes he is likely teaching, speaking and training youth and aspiring change-makers on subjects ranging from politics to sports and everything in between.  In This Episode, We Discuss: An important lesson he learned as a child watching his grandfather work as fruit picker and why he's carried it with him all these years Why he started looking for college scholarships while in elementary school His surprising path to a college football scholarship The importance of doing your due diligence before making an investment What he does so he can be willing to invest and risk losing money What an “investment thesis” is and why every investor needs one Connect with Joe: nclracing.com   If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams.com.

Are you looking for a clear cut path into the Venture Capital world? Co-founders of Debut Capital, Pilar Johnson and Bobak Emamian join Lauryn Williams on the show to share their journey into Venture Capital and the main lessons they have learned along the way. They share why you need to be willing to learn as you go, the importance of finding people with complementary skill sets, and why you need to be open to receiving feedback along the way.  Learn more about Pilar, Bobak, and Debut Capital at debutcapital.com For more young money maker financial tips, subscribe to Worth Listening on Apple Podcasts or wherever you listen to podcasts and visit worth-winning.com.

Today's guest is Aja Evans, also known as the ‘feel-good financial therapist.” Aja is a board-certified therapist who specializes in financial therapy. Since having her own financial enlightenment which transformed how she thought and felt about money, she is determined to empower people to take control of their financial journey beginning with evaluating how their past experiences impact their financial decisions. Aja specializes in identifying how anxiety, self-esteem, and stress impact financial wellness. Today Aja will share with us more about how your relationship with money impacts all facets of life including how you feel emotionally and physically. In This Episode We Discuss: How Aja went from quitting her counseling job and traveling Europe to deciding to specialize in financial therapy What certifications you should look for when finding a financial therapist to work with The role past financial trauma can play in how we handle money What you should do instead of shopping if spending money is how you cope The problems of being an excessive saver The impact self-esteem has on our finances How to avoid that awkward moment that comes when splitting a group check at the restaurant  You can learn more about Aja Evan on her Instagram channel, connect with her on LinkedIn, or check out her website: ajaevanscounseling.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams And there is still time to reserve your spot at one of our Welcome to Wealth boot camps taking place in Dallas, TX, and Bermuda Dunes, CA, in September.

This week Lauryn is traveling, but giving us an update on what to expect in the coming weeks, including a new series that's gearing up to start soon! Be sure you're Following and Subscribed to the podcast so you won't miss it! If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We are halfway through 2022, which makes it the perfect time for host Lauryn Williams to share an update on what's taken place so far this year and the exciting plans that are in store for Worth Winning and the Worth Listening podcast for the second half of the year.   Lauryn is going to share more about: Why time is our most valuable commodity and the event that brought this to light for her in 2022 The exciting travel goal that she achieved in May and where else she's trying to travel to before the year is over How she got started in the world of venture capital Why she's spending 5 weeks in Columbia Worth Listening podcast statistics and what countries top the download list The financial boot camps, retreats, and the online program that are coming up this year What new series are coming up in the podcast (Spoiler Alert! There is a Venture Capital series coming with some dope guests, and then Chloé Moore is coming back at your request for round two of the Know Better, Do Better series)  Learn more about the upcoming Welcome to Wealth events and programs: 12-Week online program Financial Bootcamp in Dallas, Texas in September 2022 Financial Bootcamp in Bermuda Dunes, CA in September 2022 Top 3 Worth Listening podcast episodes Episode #24: The Ultimate Financial Comeback Story with Marques Ogden Episode #18: The Importance of Asking Questions and Having a Realistic Budget with DJ Wiliams Episode #1: Pro Players Beware - Callin' is Expensive with Clinton Portis Top 3 Worth Listening podcast episodes of 2022  Episode 133: Millionaire Series: How A Single Mom Hit Millionaire Status and Retired in her 40's Episode #135 Millionaire Series: The Two Rules of Wealth Building with Jeremy Schneider Episode #134 Millionaire Series: Debt-Free and a Millionaire by 21 with Steven Stack  If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Today's guest on the Worth Listening podcast is Sam Acho. Sam is a nine-year NFL veteran, writer, public speaker, and humanitarian. In addition to his work as an ESPN sports analyst, Sam speaks widely at colleges, events, conferences, and churches. He is the founder and president of Athletes for Justice and the Director of Impact at AWM Capital. Sam served as vice president of the NFL Players Association and is currently an ambassador for International Justice Mission. Sam has a truly unique and refreshing perspective on money and one a lot of people don't expect from a former professional athlete. Growing up with Nigerian parents, Sam was able to travel between and see the differences of life in a Nigerian village and attending the top-rated private school in the states. This perspective has helped shape his perception of money and life in many ways throughout his life. Today Sam will share with us more about the two different financial worlds he grew up experiencing and how they helped shape the way he thinks about money.  In This Episode We Discuss: The differences Sam noticed between life in a Nigerian village vs living in the states Why money is a tool to live the life you want Sam and Lauryn's personal definitions of wealth What you can do if you don't have the money for the experiences you want to have Why his multi-year, multi-million dollar contract was life-changing in a different way than he expected How “being a jack of all trades” can create new opportunities What Sam and his wife are doing with their finances to impact the world You can learn more about Sam and what he's doing on social media. You can also order his book Let the World See You here.  Instagram: @thesamacho Facebook @thesamacho Twitter @thesamacho If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Learn about Lauryn's upcoming webinar "Death, Dollars, and Daiquiris: Estate Planning for Young Money Makers” Today's guest on the Worth Listening podcast is Peter Figaro. Peter is one of Lauryn's friends and an early millennial who retired at 40 years old. His story is a great example of why it can be a good thing to take advantage of the benefits that a job can offer instead of going after the sexy trend of entrepreneurship.  Not only was he able to retire in his 40s, but he purchased his first home at 25 years old. He has closed on four homes and has built himself a real estate portfolio. Part of his investments includes an Airbnb he has successfully run for five years without a problem. In This Episode Lauryn and Peter Discuss: Why Peter dropped out of college How he took advantage of his full-time job and benefits to retire at 40  Why he got started with real estate investing The importance of having someone on your team to help with repairs when owning real estate Lauryn's horror stories of owning and renting Airbnbs Peter's tips for successfully running an Airbnb business and his advice for Lauryn  You can learn more about Peter and his Airbnb on Instagram @pfigaro46 If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

The FIRE movement may be trendy but that doesn't mean you need to jump on trends to build wealth and retire early. Today financial coach April Stewart is joining the podcast to share her unsexy millionaire journey with us. She grew up in a low-income household and spent the first part of her career living paycheck to paycheck with minimal savings. After experiencing a major financial setback, she persevered and started taking steps to build a strong financial foundation. Before she realized that it happened, she hit millionaire status.  April retired early and has shared her story in outlets such as Forbes, Business Insider, Black Enterprise, and AfroTech. She teaches women how to build wealth via her coaching program, speaking engagements, and workshops.  In This Episode We Discuss: The fear-based money mindset April grew up with The impact that surrounding yourself with the right people can have on your future and your finances The financial setback that ended up helping her get on the right track How short term sacrifice lead to long term gain and what she gave up for a short time to pay off debt and build an emergency fund The one thing she likes to spend money on What investment strategy April used to build her wealth The importance of the financial example we set without knowing it for those around us Mentioned Resources: April's FREE Millionaire Money Checklist You can learn more about April on her website at aprilthemoneycoach.com or on social media: Instagram @aprilthemoneycoach Facebook @AprilTheMoneyCoach  LinkedIn @aprilthemoneycoach If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We are wrapping up the Worth Listening Millionaire Series today with Joe Saul-Sehy. Joe is the creator and co-host of the award-winning Stacking Benjamins podcast and the co-author (with Emily Guy Birken) of the new hit book STACKED: Your Super Serious Guide to Modern Money Management. While Joe is known for being a financial expert and was once known as the “money man” in media, his career started out as a financial advisor who wasn't taking his own advice. He's going to share with us the low moment in his financial life when he realized it was time to make some changes and what he did to turn things around. In This Episode We Discuss: How he first got into debt while in college The moment he realized he needed to make changes in his life Why it's not about how much you make but what you do with what you make The importance of surrounding yourself with smart people and how to find the right people The different professionals that can help you at the different stages of your financial journey Why he left a career as a financial advisor and how he eventually got into podcasting How his book STACKED: Your Super Serious Guide to Modern Money Management is different from other financial guides A simple exercise you can do to help prioritize your financial goals The importance of doing some research into your goals before determining what risk level you should be at If you're interested in joining Lauryn's STACKED BOOK CLUB, sign up here! Mentioned Resources: Steal Like an Artist: 10 Things Nobody Told You About Being Creative You can learn more about Joe, his podcast, and book at stackingbenjamins.com and follow him on social media at the links below.   Instagram @stackingbenjaminspodcast Facebook @istackbenjamins Twitter @averagejoemoney If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We are rolling along with our Millionaire Series this week with guest L. Renee Whaley here to share her money memoir with us. L. Renee hit millionaire status in 2021 after paying off $75k worth of debt, and two mortgages including an investment property. While continuing to work in corporate America, she is also a financial coach who helps individuals and families customize strategies to live debt-free along with assisting scholars with finding scholarships so they can attend college debt-free. She is also the author of A Journey to Financial Fortitude: How I Paid Off $75k, Went to College Debt-Free, and Paid Off My Mortgage! In This Episode We Discuss: The strategy she used to find scholarships to pay for college How she ended up in $75k worth of debt How she used the debt snowball concept to become debt-free Whey she decided to pay off two mortgages instead of putting her money to work in other areas The importance of utilizing your 401k and meeting the employer match Why she decided to hire her kids and how it's helping everyone financially Why she decided to write her book even though it wasn't something she had ever planned on doing Why she started working as a financial coach The importance of helping people see that millionaire status and debt-free living is for anyone You can learn more about L. Renee and her book at financialfortitudellc.com and follow her on social media;  Instagram @ffortitudellc Facebook @financialfortitudellc If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Today we are taking a break from the Millionaire Series to focus on financial transparency. April is financial literacy month. The entire purpose of the Worth Listening podcast is to help spread financial literacy and host Lauryn Williams wants to share her imperfect financial journey with you to show that we are all in this together.  Joining Lauryn on the podcast is her friend and fellow financial planner, Ben Martinek. Ben runs two financial companies called Bona Fide Finance and Student Loan Tax Experts. He is also the host of the FI Entrepreneur podcast. Martinek In this episode, Ben is going to interview Lauryn about her 2021 financial review and what changes she is making this year. In This Episode We Discuss: The importance of tracking your spending  The downfalls of trying to save too much   What tool Lauryn uses to track her spending and budget If Lauryn succeeded or failed at her 2021 goals The importance of having financial accountability Why we can pretend or justify when it comes to our numbers The importance of self-care and what Lauryn is focused on in 2022 You can learn more about Ben and how you can work with him at bonafidefinance.com and studentloantaxexperts.com. If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We're excited to be continuing the Worth Listening Millionaire Series! Over the next couple of months, Worth Listening host and Certified Financial Planner Lauryn Wiliams, will be interviewing millionaires on the podcast so we can hear their money memoirs and what they did to reach that coveted millionaire status. Today on the podcast is Walli Miller. Walli is the founder of Financially Thriving where she works as a money coach to help other women experience the same financial transformation in their lives that she experienced in her own life.  Walli is a first-generation college graduate and daughter of an immigrant who spent her 20s spending every dollar she earned while saving very little. She thought she was doing well because she kept her bills paid and didn't have credit card debt. But she had two AHA moments that turned her finances around. Now she has a millionaire dollar portfolio and is on the way to being work-optional by the age of 40!  In This Episode We Discuss: How the financial situation she grew up in caused a money mindset that led to her spending everything she made after paying the bills in her 20s The AHA moment she experienced when looking at her social security earnings statement What happened at work that helped her realize she didn't have financial freedom The sacrifices she made in college and housing throughout the years that helped her get to where she is now How lifestyle creep steals your money and ability to build wealth The importance of understanding your financial numbers The balance of reducing expenses and bringing in more income How she and her husband saved 45% of their income while living in NYC Her principle of “Cut the FATT”  What Financial Independence really means Why you need to do the math instead of just aiming for $1 million How she overcomes the “wealth guilt” she experiences from outearning her family members   You can learn more about Walli and her work as a financial coach on her website: financiallythriving.com or on Instagram at financially_thriving. If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We're excited to continue the Worth Listening Millionaire Series with another inspiring story. Worth Listening host and Certified Financial Planner Lauryn Wiliams, has been interviewing millionaires on the podcast so we can hear their money memoirs and what they did to reach that coveted millionaire status. Today on the podcast, Jeremy Schneider of the Personal Finance Club is here to share his money memoir with us. Jeremy is a successful entrepreneur and personal finance expert. After starting an internet company in college and selling it at the age of 34 for over $5M, he retired at 36. Since then, Jeremy has dedicated his life to teaching personal finance. He founded Personal Finance Club, a community of champions of the individual investor who help further financial education.   In This Episode We Discuss: The importance of having awareness around student loan debt How lifestyle creep can ruin people's finances What the rollercoaster of entrepreneurship looked like as he built his business The persistence it takes to succeed at running and growing a business How much he actually lived off of when his company's revenue hit a million dollars Why he was driving a 16-year-old vehicle when he sold his company and became a millionaire The different methods of business valuation when selling a company Why it all starts with spending less than you earn and investing early and often Why there are no shortcuts Financial failures and that everyone makes them Why he has a “boring” portfolio and the strategy he used for investing his money What motivates him to share his millionaire story with others You can learn more about Jeremy and Personal Finance Club at .personalfinanceclub.com or on social media at: Instagram: @personalfinanceclub TikTok @personalfinanceclub YouTube Personal Finance Club If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We're continuing the Worth Listening Millionaire Series! Over the next couple of months, Worth Listening host and Certified Financial Planner Lauryn Wiliams, will be interviewing millionaires on the podcast so we can hear their money memoirs and what they did to reach that coveted millionaire status. Next up in the series is Steven Stack, Financial Coach & CFEI, speaker and author of the book Simple Money Talks.  Steven became a debt free millionaire when he was just 31 years old. Through a combination of of smart money management and investing, primarily through the stock market and real estate, Steven set out to become “retireable” by the age of 45. And before you jump into thinking this was only able to happen for him because he is a financial coach, that's not where his journey started.  In This Episode We Discuss: The building blocks he learned at an early age that set him on the right path Why his dream school was the one he could reasonably afford and how he graduated with money in the bank instead of student loans The Denzel Washington movie quote that got him investing in real estate How and why he started maxing out his retirement savings when he first started working The importance of connecting with people and learning from others Why passive income isn't really passive and what the narrative should be instead How he paid off his mortgage in 3 years The importance of understanding how each party in a deal makes money before getting involved How he got started in real estate investing   Why the most important consideration when buying a house isn't how much you are approved for The difference that focusing on increasing your income can make in your finances The importance of not upgrading your lifestyle when your income increases   You can learn more about Steven at stevenlstack.com and follow him on social media at the links below. Check out his book Simple Money Talks. Instagram @stackingwithstack Facebook @stackingwithstack Twitter @stevenlstack TikTok @stackingiwthstack If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

We're kicking off the Worth Listening Millionaire Series! Over the next couple of months, Worth Listening host and Certified Financial Planner Lauryn Wiliams, will be interviewing millionaires on the podcast so we can hear their money memories and what they did to reach that coveted millionaire status. The first guest on the series is Jackie Cummings Kosk. She is sharing her story of how she overcame poverty, divorce and single motherhood, to reach financial independence and retire early from her corporate job while still in her 40s, all while making less than six figures a year.  Jackie is the author of the book, “Money Letters 2 my Daughter”, which was a 2013 winner of the Excellence in Financial Literacy Education (EIFLE) Award. In 2015, she was officially recognized with a Congressional Commendation for her accomplishments in the field of financial literacy from the U.S. House of Representatives.  She now focuses on her life's work of financial education and following her dream of creating a financially literate society. She is a life-long learner and is currently pursuing her master's degree in Personal Financial Planning and Financial Therapy. Jackie is going to share with us the impact that always trying to run from poverty had on her life and what she did after the pivotal moment of deciding she never wanted to feel financially ignorant again. Her poverty to millionaire story is so encouraging because it's one that anyone can relate to. Her story will help break down the barriers you have to believing it's possible for you to become a millionaire and retire early too.  In This Episode We Discuss: The impact that growing up in poverty had on her life  How joining an investment club was one of her first steps to increasing her financial literacy How to complete a net worth statement and why you need to know your net worth The importance of understanding how compound growth works and why you need to get started now  Organizing your finances to live within your means and why it's not about hitting a 6-figure salary The importance of prioritizing work-life as a single mom  Understanding how investments can lower your tax liability How to determine how much you need to save for retirement Why financial freedom is about more than just money The importance of creating the habit of saving and investing even if you have to start small The one thing she did to hit millionaire status that a lot of people are afraid to do You can learn more about Jackie and connect with her on social media through linktree.com/moneyletters  If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Today's guest on the Worth Listening podcast is Dr. Nancy Dome. Dr. Dome is a renowned speaker, author, and equity consultant. In 2014 she co-founded Epoch Education to provide leaders in education and business with accessible professional development in diversity, inclusion, and belonging, and equity.  As an educator for nearly three decades, Dr. Dome taught in the juvenile court and community schools and has served as a Distinguished Teacher in Residence and faculty member at California State University San Marcos. Her transformative approach helps school districts and educational agencies throughout the country navigate complex topics, build bridges, and work together for inclusive, impactful change. With that long list of accomplishments it may surprise you to learn that Nancy came from very humble beginnings and her story is one that is an inspiration for all.  Today Nancy will share with us more about what a poor mentality is, how it's not related to the amount of money in your pocket, and why it's important to overcome it. In This Episode We Discuss: The deeper narrative many have behind the idea to “go pro” in sport and how many view it as a ticket out of poverty The importance of slowing down and making sure you have the information you need when making a decision How trying to feed the desires caused by a lack of resources and opportunities growing up can lead you to make unwise financial decisions Why you need to trust your instincts and not be afraid to change your mind The reasons she moved from the public sector to private sector and how it impacted her finances Why you need to start investing in your retirement now even if you can only do it a penny at a time The importance of getting out of survival mode Why you need people around you that will help you understand including building a team of professionals who can answer your questions and teach you what you don't know You can learn more about Nancy and her book Let's Talk About Race (And Other Hard Things) on her website: drnancydome.com. You can also connect with her on Instagram, Facebook, and Twitter.  If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Wayne Lomax is joining the conversation on the Worth Listening podcast to share his Money Memoir. Wayne comes from a long line of entrepreneurs beginning with his great-great grandfather who was born in slavery, his grandfather, his father, and now his children. In addition to serving a leading church in South Florida, Wayne is also the president of The Fountain Endowed Legacy Scholarship Fund and the Youth Development Institute. Specializing in personal development, Wayne helps people pursue their full potential. Today Wayne will share with us more about the financial lessons he learned throughout his career along with the financial advice he would share with his younger self.  In This Episode We Discuss: How Wayne's family set an example for him on work ethics and finances The crisis that led to him realizing he needed to do something different with his finances Why we need to remember it's always about the end game The money themes he is noticing in young professionals The importance of delayed gratification Why you should work with financial professionals who educate you instead of doing it for you The importance of having a long-term plan The financial risks young professionals should be willing to take To learn more or further connect with Wayne Lomax on Facebook and Twitter @wayneblomax. You can learn more about The Fountain of New Life Ministries here.  If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Today's guest on the Worth Listening podcast is Tianna Madison. Tianna is a 2x Olympian, 3x Olympic Gold Medalist, 3x World Champion, Author, and Yogi. Today she is sharing her personal story with us including the financial ups and downs that came with her career as a professional athlete.  While still in college, Tianna earned the opportunity to go pro in track and field. Although many people think professional athletes make lots of money, Tianna shares the story of what finances actually look like for many athletes. She shares the ups and downs of her career and what happened to her finances because she wasn't giving it the attention it needed.  In this episode, Tianna and Lauryn talk about: How the one conversation Tianna and her parents had about college financing pushed her to excel in track and field What her finances looked like as a young professional athlete How your income in one location might not stretch as far as it will in another city or state The unexpected expenses that come with a career in sports How filing bankruptcy brought about positive change for Tianna The importance of knowing what's going on with your finances How Tianna approached her entrepreneurial journey Buy Tianna's memoir Survive & Advance on Amazon and follow her on Instagram  @tianna.t.madison If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Happy New Year! In this episode of Worth Listening, 4x Olympian and CFP® professional Lauryn Williams is kicking off 2022 by sharing simple and actionable tips you can use to get your finances in order this year.  In this episode, Lauryn talks about: Why you need to take a look at last year's spending One expense we often overlook in our budgets Getting your estate planning documents in order in 2022 The need to start planning for big expenses Looking at the fees you pay on your credit cards Tax planning and finding a CPA or Enrolled Agent Credit reports and why you need to look at yours 5 things she is focusing on to win at life in 2022 If you want to share your money memoirs on the podcast or what you'd like to see on the podcast in 2022, contact podcast@worth-winning.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Happy holidays! Once again we have reached the time of year when it's time to reflect on the current year and set goals for the upcoming year. In this episode, Worth Listening podcast host and owner of Worth Listening, Lauryn Williams, is talking about what she experienced and accomplished in her business in 2021 and where she's headed for 2022.  In this episode, Lauryn talks about: Reflections on 2021 and what business looked like for her Her addiction to being busy and how she's addressing it for 2022 Getting started on a big vision before you feel ready to get started Goals for her business and podcast in 2022 Why she's prioritizing her health in the new year Her goal to become fluent in speaking Spanish The importance of learning a new way to view sales If you want to share your money memoirs on the podcast or what you'd like to see on the podcast in 2022, contact podcast@worth-winning.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams Resources: Welcome to Wealth Financial Retreats

Today's guest is Jacent Wamala. Jacent is a Licensed Marriage and Family Therapist turned Money Mindset Coach and founder of Wealth & Wellness University. She also hosts the Jacent's Gems podcast where she provides “been-there-done-that” guidance to help women of color write the best chapter of their lives. She helps women overcome debt, level up their income streams, and achieve impactful, life-changing financial freedom.  In three years, she paid off over $90,000 in credit card and student loan debt and saw the link between financial stress and mental health issues for her clients. Her goal is to help her community become aware of the limiting beliefs and fears getting in the way of their financial freedom and empower them to create a plan to reach their goals. Today Jacent shares with us steps you can take to address the root cause of your money mindset challenges so you can make lasting financial changes in your life.  In This Episode We Discuss: How calculating her net worth led to her “aha moment” Why so many people revert back to poor financial habits over and over again The importance of getting to the root cause of your negative money mindset challenges Actionable steps you can take if you've felt financially stuck  The importance of taking ownership for your current situation How to build the right money team Learn more about Jacent Wamala by following her on social media: Instagram: @jacentsgems Twitter: @jacentsgems Facebook: https://www.facebook.com/groups/wwustartsheree Website: https://www.wamalawellness.com/ If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams RESOURCES: Episode 125: Financial Self Care for Couples with Guest Amy Scott Episode 126: Achieving Mental Wealth with Guest Rich Jones No Excuses by Brian Tracy The Lies We Tell Ourselves by Jon Frederickson

Today's guest is Rich Jones. Rich hosts the Paychecks & Balances podcast, where he shows you what's possible personally, professionally, and financially — all while having some fun along the way. Beyond the podcast, Rich is a Masters' athlete, mental wealth advocate, and purveyor of positive vibes. Today Rich will share his personal memory memoir with us. He shares the unusual path that led him to become a personal finance podcaster even though he doesn't consider himself a financial expert. He will also talk about the impact his mental health has had on his finances and other areas of his life and the importance of building Mental Wealth. In This Episode We Discuss: The little efforts we can make to inspire people and change the course of their life Using the process of elimination in life to find out what the right lane is for us How the way we feel about our finances can impact other areas of our lives What it means to be Mentally Wealthy The negative role drinking and other coping mechanisms can have on every area of life including finances Why we need to stop making excuses in order to make real progress Importance of showing yourself grace and giving yourself permission to take care of yourself How to stop letting life happen to you and your finances The importance of reflecting on your life and finances to determine what you really want How “wealth” is about more than just your finances What looking at your bank statement can teach you about other areas of your life Learn more about Rich Jones by following him on social media: Instagram: @paybalances and @iamrichjones Twitter: @PayBalances and @iamrichjones Facebook: @paychecksandbalances LinkedIn: @paybalances Website: https://paychecksandbalances.com/ If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams

Today's guest on the Worth Listening podcast is Certified Financial Coach, author, wife, and mother Amy Scott. Amy is passionate about working with couples to help them get on the same page about money so they can live life with less conflict and more space to focus on what really matters.  Amy has taught hundreds of couples her unique budgeting system over the last seven years to help them reduce financial stress and disagreements while allowing them to pursue dreams that had previously gone unfulfilled. Self-care has become a popular topic over the last few years around our mental health, but self-care also applies to our finances. Amy shares about the tough financial decisions she and her husband made to begin living lives that aligned with what they really wanted. She shares practical tips that couples can use to practice financial self-care in their marriage and families. In this episode, Amy and Lauryn talk about: One question you and your partner can use to have productive conversations around financial needs and wants Why finances are such a huge stress for married people and couples Why you need to shift from focusing on the “shoulds” to the “whys” in your finances The importance of having curiosity around your personal finances Why you need to take the time to get clear about what you really want The biggest cause of financial stress for couples The difference that seeing the big picture makes in getting your finances in order Creative ways you can teach children about money Learn more about Amy Scott and download the 3 Simple Steps to Uplevel Your Budget on her website: amyscottcoaching.com If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams RESOURCES: Episode 98: Tackling Your Money Mindset with Guest Lindsay Bryan-Podvin Social: Facebook:  @amyscottfinancialcoaching Instagram: @amyscottfinancialcoaching Website: amyscottcoaching.com

CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore are continuing the “Know Better, Do Better” series born from the countless conversations they have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They want to help you gain financial confidence and clarity to control your destiny. In this episode of the series, Lauryn and Chloé continue onto the final episode of a three-part series on equity compensation. Chloe specializes in working with individuals in the tech industry and those who receive equity compensation. There are a few common mistakes she sees people make so she is sharing tips to help you know better so you can do better.  In part three of this series, Lauryn and Chloé talk about Employee Stock Purchase Plans also known as ESPPs. They cover the basics along with answering your burning questions like “How long should I hold onto the stocks?” and “When does it make sense to participate?” In this episode, Lauryn and Chloé share: The basics of what an Employee Stock Purchase Plan is and how it works The limits and restrictions that come with ESPPs including the annual purchase limit How ESPPs are deducted from your paycheck after taxes Details about Lookback Provision What you need to know about taxes The risks involved What things you should consider before deciding to participate How to know when to sell and when to hold Importance of working with the right tax professional and financial planner If you want to further connect with Lauryn Williams: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore RESOURCES MENTIONED: Should You Participate in Your Company's ESPP? Worth Listening Episode 122: Equity Compensation Part 1 Understanding RSUs Worth Listening Episode 123 Equity Compensation Part 2: ISOs and NQSOs

CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore are continuing the “Know Better, Do Better” series born from the countless conversations they have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They want to help you gain financial confidence and clarity to control your destiny. In this episode of the series, Lauryn and Chloé are moving onto part two of a three-part series on equity compensation. Chloe specializes in working with individuals in the tech industry and those who receive equity compensation. There are a few common mistakes she sees people make so she is sharing tips to help you know better so you can do better.  In part two of this series, Lauryn and Chloé talk about stock options including ISOs (incentive stock option) and NQSOs (nonqualified stock option). The difference between the two is how they are treated from a tax standpoint. In this episode, Lauryn and Chloé share: An overview of what equity compensation including what is a stock option What a stock option is and how the process works The difference between RSUs and stock options including the additional risk involved The importance of understanding the ramifications of all the decisions you need to make with stock options Why you need to think about when to buy shares and if you really even want to The consequences of buying or selling at the wrong time What a cashless exercise is and when you want to do it Why you should work with a financial planner and tax professional if you have stock options The tax liabilities involved and why you don't want to forget about them The considerations you should be making when buying shares of a private company The importance of keeping your financial goals in mind  If you want to further connect with Lauryn Williams: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore RESOURCES MENTIONED: Worth Listening Podcast Episode 122: Equity Compensation Part 1 Understanding RSUs Salary negotiation strategies everyone in tech already knows — but you don't Coming up next The next episode of the Know Better. Do Better series, is Equity Compensation Part 3 Employee Stock Purchase Plans (ESPP)

CERTIFIED FINANCIAL PLANNER™ professionals, Lauryn Williams and Chloé Moore are back for another “Know Better, Do Better” series born from the countless conversations they have about the trendy narratives and clickbaity articles that make it hard for them to help their clients. They want to help you gain financial confidence and clarity to control your destiny. In this episode of the series, Lauryn and Chloé begin a three-part series on types of equity compensation, more commonly called “stock options”. Chloe specializes in working with individuals in the tech industry and those who receive equity compensation. There are a few common mistakes she sees people make so she is sharing tips to help you know better so you can do better.  In part one of this series, Lauryn and Chloé dive into RSUs (Restricted stock units). They talk about: What RSUs are and the types of jobs that offer them as equity compensation How you receive RSUs from a company The importance of understanding the terms and restrictions that may apply The tax requirements you need to know about if you receive RSUs The difference between RSUs from a public vs private company Two questions to ask yourself when deciding if you should hold onto or sell the vested stock The common mistakes people make when receiving RSUs and how to avoid making them yourself If you want to further connect with Lauryn Williams: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you want to further connect with Chloé Moore: Instagram: @financialstaples Twitter: @finstaples Facebook: @finstaples LinkedIn: @chloemoore RESOURCES MENTIONED: Salary negotiation strategies everyone in tech already knows — but you don't How RSUs Can Help You Reach Your Financial Goals Worth Listening Episode 114: "Know Better, Do Better" Investing Part 2 Types of Investment Accounts Worth Listening Episode 107 ”Know Better. Do Better. Series” Planning for a Financial Windfall Coming up next The next episode of the Know Better. Do Better series, is Equity Compensation Part 2 covering the stock options.

Today podcast host, financial coach and Certified Financial Planner Lauryn Williams deep dives into talking about financial literacy and the distractions that stop people from taking control of their finances the right way.  While society tends to think that financial literacy is only a problem for low-income earners, it's not true. Financial distractions get in the way of financial literacy for people on all ends of the earnings spectrum. If you're not reaching your financial goals and aren't on the path to get there, this is the episode for you! In this episode, Lauryn talks about: How financial distractions get in the way of financial literacy The importance of being able to admit what you don't know about finances The importance of understanding what your financial goals are to identify financial distractions when they come along Common examples of financial distractions that negatively impact financial literacy Why you need to know the difference between the “right thing to do” and the “right thing for you to do” Accidental success vs intentional success The negative impact that skepticism can have on finances How distraction impacts people on both sides of the earning spectrum Why you need to get your financial basics in place before The importance of watching out for those that are trying to hold you back If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams Welcome to Wealth Interested in learning more about the Welcome to Wealth retreats or online program? Welcome to Wealth financial retreat coming to Atlanta in October 2021 Welcome to Wealth: 12-week personal finance program

Today podcast host, financial coach and Certified Financial Planner Lauryn Williams dives into talking about financial conversations. But not just any financial conversations, she's sharing how to answer the awkward or scary money questions people ask you. Many people were brought up with the belief that you shouldn't talk about money with others. Lauryn will help you overcome this belief while learning ways to answer the money questions people ask in a way that leads to productive conversations.  In this episode, Lauryn shares how to answer the following money questions: What is your credit score? How can you afford that? How much debt do you have? Can I borrow some money? Or, can you give me some money? How much did you pay for that? How much money do you have? If you want to further connect with Lauryn Williams at Worth Winning, follow us on social media: Instagram: @worthwinning Twitter: @worth_winning Facebook: @worthwinningfp LinkedIn: @lauryn-williams If you're interested in learning more about attending a Welcome to Wealth financial retreat hosted by Lauryn Williams, learn more here: Welcome to Wealth retreats Resources: How to Talk About Money with Other People: Overcoming the Awkwardness How to Have Financial Conversations that Aren't Awkward